HDFC Bank offers personal loan interest rates depending on the credit profile of the applicants. The loans are offered at fixed interest rates, i.e., the EMI remains constant throughout the tenure. Lenders usually factor in the monthly income, job profile, credit score, applicant’s existing relationship with the bank and type of loan scheme while setting its personal loan interest rates.
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HDFC Personal Loan Interest Rate 2026

Get up to ₹50 Lakhs starting at 9.99%
Interest Rate
9.99% Onwards
Processing Time
3 - 5 Days
Processing Fee
₹4999+GST
Max Loan Amount
₹50 Lakh
15.7L Reviews
HDFC Personal Loan Interest Rate - Sep 2026
HDFC Personal Loan Interest Rate History (2023-2026)
a
| Year | Interest Rates* (% p.a.) |
|---|---|
| 2023 | 10.50 onwards |
| 2024 | 10.50 onwards |
| 2025 | 10.90 onwards |
| 2026 | 9.99 onwards |
*Interest rates for May (2023-2026)
HDFC Personal Loan EMI Calculator at Current Rate
Individuals can use the Personal Loan EMI Calculator on Paisabazaar to check their HDFC Bank personal loan EMIs and total interest cost payable over the loan tenure.
All you need to do is enter your loan amount, interest rate and loan tenure and check your loan affordability even before loan application. This not only helps the individuals to analyse their financial situation but also allows them to plan their loan amount within their budget.
HDFC Personal Loan Processing Fee 2026
As of 2026, the personal loan processing fee charged by HDFC Bank ranges up to Rs. 6,500. It is a non-refundable one-time charge levied by the bank to cover the administrative cost during the loan approval process. The processing charges are deducted upfront from the disbursed amount.
How to Get the Lowest HDFC Personal Loan Rate
You can get the lowest HDFC personal loan interest rate in the following ways:
HDFC Pre-Approved Personal Loan Rate
HDFC Bank offers pre-approved personal loans to its select existing customers. The interest rate largely depends on the credit profile of the applicant. As of May 2026, HDFC Bank pre-approved personal loan interest rates start at 9.99% p.a. Prospective borrowers can visit Paisabazaar and apply for HDFC Bank pre-approved offers. The amount is disbursed in as less as 10 seconds after loan approval.
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FAQs
What is HDFC personal loan interest rate in 2026?
As of 2026, HDFC personal loan interest rates start from 9.99% p.a. depending on the credit profile of the applicant.
Does HDFC give lower rate to existing customers?
Yes, HDFC Bank offers lower interest rates to its existing customers having a strong credit profile.
What is HDFC personal loan rate for salaried employees?
The HDFC personal loan interest rate for salaried employees is the same as that for regular personal loans.
How to get lowest HDFC personal loan rate?
You can get lowest interest rates for HDFC personal loan by maintaining a strong credit score, checking for pre-approved offers, negotiating the rates with the lender or checking for festive offers, if any.
What is HDFC pre-approved personal loan rate?
HDFC Bank usually offers lower interest rates to its select existing customers having a strong credit profile.
What is the processing fee for HDFC personal loan?
The processing fee for HDFC Bank ranges up to Rs. 6,500.
How does HDFC determine personal loan interest rate?
HDFC Bank determines the personal loan interest rate after factoring in the credit score, job profile, monthly income, employer’s profile and applicant’s existing relationship with the bank.
Is HDFC personal loan rate better than SBI?
The loan offer varies for different applicants from different lenders. One should opt for a loan offer with the lowest cost of credit and better loan terms.
What is HDFC personal loan rate for self-employed?
The HDFC Bank personal loan interest rate for self-employed is the same as that for salaried individuals. However, the lender offers interest rates depending on their repayment capacity.
Has HDFC personal loan rate changed in 2026?
As of 2026, the HDFC personal loan interest rates starts from 9.99% p.a.
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.99%*
Get up to ₹50 Lakhs starting at 9.99%*

















